The credit card is not authorised for online purchases or automatic billing.

The credit card company is blocking the transaction.

Contact your credit card company or bank and make sure that the card that you’re using was activated, that it has available funds, and that the transaction is not being blocked for some reason.
Solution 3: Try your purchase again later The Xbox Live purchase might be blocked because:

Too many recent purchase attempts were declined.

The Microsoft account or the payment option is being used from a suspicious location.

The payment option you provided may have a violation for non-payment that’s preventing it from being used for new purchases.

Wait and try the transaction again in 24 to 48 hours. If lots of purchase failures occur, this can prevent transactions from being processed until no purchase attempts have been made for a while (usually 24 to 48 hours).
Solution 4: Remove your card and try again If you’re trying to purchase a new Xbox Live subscription and you receive status code 80190864, the payment option has a billing decline violation against it and can’t be used. If you have an unpaid balance for a previous subscription on the payment option you are trying to use, use a different credit card for the purchase.Solution 5: Use a prepaid Microsoft Points* card if available*Note: Microsoft Points are not available in all regions Alternatively, you can purchase a prepaid Microsoft Points card from a retail location and use it to make purchases. Note that not all purchases support Microsoft Points or prepaid options. Before purchasing Microsoft Points or a prepaid card, make sure that purchase option is available for the item you want to purchase.

“This item is not available from your current location”

This message appears when you try to purchase or download content that is not licensed for the country where you are located. Xbox Live determines your geographic location based on your computer’s IP address when you sign in. You cannot purchase or download content that is not licensed for your country or region.

You have reached your daily purchase limit

There is a limit on how many Microsoft Points* you can purchase in a single day. You have reached the limit.